mortgages: Dave Ramsey - say it ain't so!! - 09/25/09 08:37 AM
 
Who is upset by those that say they care about us, but actually don't care.  Their sites are set on the ALMIGHTY dollar. How many proclaim to be your friend, giving good advice. I am speaking about those that have their own talk shows, web sites, etc, etc.
Below, Lewis … (10 comments)

mortgages: FHA Loans vs Conventionals Loans - Things you should know about even with 10% down - 9-19-09 - 09/19/09 08:55 AM
 

 
FHA loans seem to be one of the main choice of mortgages in the last 12 months or so. There are many reasons for this. And FHA loans will definitely be the main choice for anyone buying a condo now. More on that later.. What I hate hearing … (8 comments)

mortgages: Are referral partners like sports fans? - 09/07/09 11:18 AM

 
…… 1 - 2 - 3    you struck out
 
How many of you are sports fans? Or just that you understand how it works sometimes. And that's when you rave about your team or a specific player. Yet something happens or that person goes into a slump.  Now … (11 comments)

mortgages: FHA loans closed in 15 days - Say it isn't so.... - A FHA loan Rant - 09/04/09 11:08 AM
 
Time is $$ Money $$
 

How many times have we heard that time is money??? One thing that I keep hearing is how long it takes to close FHA loans. Just the other day, Michelle Gibson wrote : FHA loans approved & closed in 15 days? -
I … (15 comments)

mortgages: Do you answer questions outside of your expertise or market area? - 08/31/09 06:45 AM
 

Do you think you are helping the situation, but actually hurting the situation by answering a question??
I am sure many of us want to help answer a question, giving our honest opinion and such. Hoping that it could give some good insight to helping that person with their … (74 comments)

mortgages: The Basics of FHA Loans - Mortgage 101 for FHA Mortgages - 08/24/09 - 08/24/09 02:31 PM
 

As many of us know in the real estate market, FHA loans are being used more than ever before.  With the disappearance of the subprime market of 2 years ago and in several cases, that conventional loans can be more expensive, more FHA loans are being utilized.  I just … (10 comments)

mortgages: As a Dual Agent, are you like a Double Agent? - Dual Agency - Buyers Beware!! - 08/10/09 10:40 AM

 
Dual Agency can sound like a harmless word, right?  We are suppose to trust anyone in the real estate and mortgage industries, right? Sounds simple enough when the person representing you says that they have your best interests at hand. But wait, let's dig a little deeper, because not … (98 comments)

mortgages: Pre-Qualification Letter vs Pre-Approval Letter vs Commitment Letter - Knowing the differences - 07/16/09 01:36 PM
 

 
WARNING - Common sense prevails here..... 
 
Does this sound easy to answer? Which came first, the chicken or the egg?  How about this question.... Do you know the difference between a pre-qual letter and a pre-approval letter?  Both answers could differ greatly, depending on who you speak … (39 comments)

mortgages: Sellers !!! Ignore what your listing agent tells you about FHA loans !!! - 07/11/09 11:26 PM
 

FHA mortgages, such a very very bad thing.  Don't do it... Don't allow your buyers to utilize this program. Don't allow your seller to accept offers with FHA mortgages. They are very very bad....
 
HOLD THE PRESS !!!!..  Wait one second.  In the real estate and mortgage industry, … (74 comments)

mortgages: FHA loans vs Conventional loans - Knowing the true comparisons - 07/10/09 02:09 PM
 

FHA loans seem to be one of the main choice of mortgages in the last 6 months or so. There are several reasons for this, which should be spelled out below in my comparison. What I hate hearing is that FHA mortgages have taken the spot of the subprime … (45 comments)

mortgages: FHA loans - Condos & approved condos - What you need to know now... - 06/30/09 07:34 PM
 
 
CONDO ALERT -  Yes, condos have looked attractive to many borrowers of lately because they are dropping in price in several areas by more than a few dollars. But so many people are asking why Condos are more difficult to purchase now than ever before. And so many are … (11 comments)

mortgages: FHA Loans & FHA Mortgages - setting the record straight !!!! - 06/28/09 09:42 AM
 
FHA Loans and FHA Mortgages -
Believe it or not, for many areas across the United States, in today's market, FHA mortgages seem to be about 50 percent of today's real estate transactions.  What has bothered me since there aren't as many mortgage programs as outlets anymore, is that more … (13 comments)

mortgages: HUD reminds LENDERS not to play with fire !!! - 06/19/09 09:26 PM

 
If you are a loan officer or a lender that uses deceiving practices, who lies, or who likes to commit fraud....  you better watch out. I haven't heard about this as much in the pass, but HUD seems to be cracking down on those lenders that abuse FHA loans … (10 comments)

mortgages: I feel lifeless!!! Are you paid your worth? - 06/07/09 07:15 PM
 

Do you put 110% into your clients, yet you don't feel appreciated at times? Do you get beat up in this business?  Do you feel like you spin your wheels, especially in today's market place? Overall, does your pain show, even when you think you have your happy face on? 
(31 comments)

mortgages: Good Faith Estimates - Knowing & Understanding the Power of the paper!!! - 05/19/09 10:58 AM
 
 
Good Faith Estimates  - Extremely important message below!!!
 

If you are a consumer looking to purchase or refinance, this is a must read. It could cost you thousands if you don't pay attention. This is not a threat, but a warning from someone that has over 16 … (64 comments)

mortgages: FHA loans - Are they the best out there? - 05/09/09 12:14 PM
                                                                                       
FHA loans seem to be the most used mortgage program of 2009. Is it because it's the best mortgage out there?  Probably not, but it does fit more borrowers profiles than most other loans, making it easier to obtain.
Which mortgage program do I think is the best out … (10 comments)

mortgages: What time is it? It's COMMITMENT time!! Has your commitment letter been on time? - 05/07/09 02:38 PM
 
How Long Has This Been Going ON, that I still haven't received my commitment letter. (please click on the link for some satire)
My reasoning for that particular song?  I just received this comment the other day on another blog of mine. - "Just this week I had a mortgage … (27 comments)

mortgages: FHA Loans vs Conventional Loans - 5% down - Things you need to know !!!! - 05/02/09 02:54 PM

For several of you that read my blogs, I try and do a FHA vs Conventional purchase comparison once every few months.
FHA loans have been more wisely used in recent months as the choice of mortgages. What I hate hearing is that they have taken the spot of the subprime … (48 comments)

mortgages: LARGE COMPANY vs small company - The pros & cons in today's real estate business - 04/29/09 10:37 PM

Are we larger than life just because we work for a large company or a well recognized name in the industry? Examples of this would be Wells Fargo, Bank of America, RE/MAX, or Keller Williams.
You as a consumer, when shopping for that realtor or loan officer, do you first … (57 comments)

mortgages: USDA Loans & FHA Loans - Be very careful of deceptive web sites - 04/27/09 12:14 AM
 

BEWARE
              of web sites when searching for information. Who or what you think is behind a specific site might not be what you think.  Just as the picture, 'who is the man behind the mask'. Just as in mortgage web sites, are you dealing with the government such … (29 comments)

 
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Jeff Belonger -- The FHA Expert.com -- FHA Loans -- FHA mortgages - USDA loans

Cherry Hill, NJ

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I just want to educate people about mortgages and the process. In regards to lending, I am very creative, intuitive, honest, and one who communicates information, may it be good or bad. I am a loan officer that looks out for your best interest.


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